Enova International is seeking a detail-oriented Lead, Lending Operations & Partnerships. In this role, you will serve as the critical bridge between our sales team and our network of external lending partners, ensuring every loan application is complete, accurately matched, and processed efficiently to lower our CAC and provide a seamless customer experience.
What You'll Do
- Perform meticulous 'desk reviews' of loan applications to ensure all documentation is complete and meets specific partner requirements.
- Act as a subject matter expert on the credit policies of 8–10 external lending partners, routing files to the lender most likely to fund the specific SMB profile.
- Manage the formal submission process and serve as the primary point of contact for external underwriting teams, resolving issues to drive loans toward approval.
- Track files through the sales cycle, providing real-time updates and identifying bottlenecks to maintain high pull-through rates.
- Translate complex lender criteria into clear internal 'buy boxes' and training materials for Sales and Product teams.
- Maintain a real-time 'Lender Playbook' and repository to ensure internal teams have access to current guidelines, pricing, and protocols.
- Lead regular 'Marketplace Rhythms' to update stakeholders on partner performance, submission quality trends, and competitive shifts.
- Monitor and report on shifts in external lender behavior, such as changes in interest rates, credit appetite, or data requirements.
- Analyze data from rejected files to identify underserved SMB segments, providing insights to influence future partnership scouting and product development.
What We're Looking For
- Demonstrated experience in commercial or consumer loan processing, documentation, or underwriting practices.
- Ability to evaluate balance sheets, income statements, and tax returns to assess the financial health and eligibility of an SMB.
- High comfort level with Loan Origination Systems (LOS), CRM platforms (Salesforce), and advanced Microsoft Excel skills for data entry and tracking.
- Exceptional organizational skills with a focus on accuracy in data verification and file integrity.
- Strong verbal and written communication skills to advocate for files with partner underwriters and collaborate with high-energy sales teams.
- Proven ability to learn new credit policies quickly and adapt to changing partner requirements in a fast-paced environment.
Technical Stack
- Loan Origination Systems (LOS)
- Salesforce
- Microsoft Excel
Team & Environment
Serves as the bridge between sales team and external lending partners.
Benefits & Compensation
- Compensation: $85,000 to $130,000 + equity: restricted stock units
- Health, dental, and vision insurance including mental health benefits
- 401(k) matching plus a roth option (U.S. Based employees only)
- PTO & paid holidays off
- Sabbatical program (for eligible roles)
- Summer hours (for eligible roles)
- Paid parental leave
- DEI groups
- Employee recognition and rewards program
- Charitable matching and a paid volunteer day
Work Mode
Hybrid position open to candidates located in the United States.
It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law.
